Banca Transilvania Valuation
Is TLV undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
5/6Valuation Score 5/6
Below Fair Value
Significantly Below Fair Value
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Analyst Forecast
Share Price vs Fair Value
What is the Fair Price of TLV when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: TLV (RON27.35) is trading below our estimate of fair value (RON38.21)
Significantly Below Fair Value: TLV is trading below fair value by more than 20%.
Key Valuation Metric
Which metric is best to use when looking at relative valuation for TLV?
Other financial metrics that can be useful for relative valuation.
What is TLV's n/a Ratio? | |
---|---|
n/a | 0x |
n/a | n/a |
Market Cap | RON 25.02b |
Key Statistics | |
---|---|
Enterprise Value/Revenue | n/a |
Enterprise Value/EBITDA | n/a |
PEG Ratio | 1.7x |
Price to Earnings Ratio vs Peers
How does TLV's PE Ratio compare to its peers?
Company | Forward PE | Estimated Growth | Market Cap |
---|---|---|---|
Peer Average | 9x | ||
BRD BRD - Groupe Société Générale | 8.9x | 2.7% | RON 14.1b |
PBK Patria Bank | 7.9x | 24.0% | RON 257.4m |
FEDERALBNK Federal Bank | 12x | 12.0% | ₹483.3b |
CBD Commercial Bank of Dubai PSC | 7.3x | 3.1% | د.إ20.0b |
TLV Banca Transilvania | 7.3x | 4.4% | RON 25.0b |
Price-To-Earnings vs Peers: TLV is good value based on its Price-To-Earnings Ratio (7.3x) compared to the peer average (9x).
Price to Earnings Ratio vs Industry
How does TLV's PE Ratio compare vs other companies in the European Banks Industry?
Price-To-Earnings vs Industry: TLV is good value based on its Price-To-Earnings Ratio (7.3x) compared to the European Banks industry average (7.4x).
Price to Earnings Ratio vs Fair Ratio
What is TLV's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
Fair Ratio | |
---|---|
Current PE Ratio | 7.3x |
Fair PE Ratio | 8.1x |
Price-To-Earnings vs Fair Ratio: TLV is good value based on its Price-To-Earnings Ratio (7.3x) compared to the estimated Fair Price-To-Earnings Ratio (8.1x).
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Date | Share Price | Average 1Y Price Target | Dispersion | High | Low | 1Y Actual price | Analysts |
---|---|---|---|---|---|---|---|
Current | RON 27.35 | RON 27.16 -0.7% | 12.7% | RON 31.89 | RON 21.80 | n/a | 5 |
Sep ’25 | RON 28.75 | RON 27.16 -5.5% | 12.7% | RON 31.89 | RON 21.80 | n/a | 5 |
Aug ’25 | RON 29.10 | RON 24.87 -14.5% | 14.3% | RON 29.62 | RON 18.99 | n/a | 5 |
Jul ’25 | RON 27.70 | RON 24.87 -10.2% | 14.3% | RON 29.62 | RON 18.99 | n/a | 5 |
Jun ’25 | RON 27.18 | RON 24.87 -8.5% | 14.3% | RON 29.62 | RON 18.99 | n/a | 5 |
May ’25 | RON 24.74 | RON 24.41 -1.3% | 7.8% | RON 26.57 | RON 21.91 | n/a | 4 |
Apr ’25 | RON 24.22 | RON 23.53 -2.8% | 10.4% | RON 26.57 | RON 20.03 | n/a | 5 |
Mar ’25 | RON 23.00 | RON 23.53 +2.3% | 10.4% | RON 26.57 | RON 20.03 | n/a | 5 |
Feb ’25 | RON 21.58 | RON 22.09 +2.3% | 5.0% | RON 23.27 | RON 20.03 | n/a | 5 |
Jan ’25 | RON 21.13 | RON 22.09 +4.5% | 5.0% | RON 23.27 | RON 20.03 | n/a | 5 |
Dec ’24 | RON 20.02 | RON 22.14 +10.6% | 5.3% | RON 23.52 | RON 20.03 | n/a | 5 |
Nov ’24 | RON 19.22 | RON 21.92 +14.1% | 5.4% | RON 23.52 | RON 20.03 | n/a | 6 |
Oct ’24 | RON 19.25 | RON 21.05 +9.4% | 11.4% | RON 23.52 | RON 15.82 | RON 27.75 | 7 |
Sep ’24 | RON 18.41 | RON 19.97 +8.4% | 14.1% | RON 23.52 | RON 15.82 | RON 28.75 | 6 |
Aug ’24 | RON 18.62 | RON 19.14 +2.8% | 12.8% | RON 22.69 | RON 15.82 | RON 29.10 | 6 |
Jul ’24 | RON 16.01 | RON 19.14 +19.6% | 12.8% | RON 22.69 | RON 15.82 | RON 27.70 | 6 |
Jun ’24 | RON 14.58 | RON 19.14 +31.3% | 12.8% | RON 22.69 | RON 15.82 | RON 27.18 | 6 |
May ’24 | RON 14.78 | RON 19.14 +29.5% | 12.8% | RON 22.69 | RON 15.82 | RON 24.74 | 6 |
Apr ’24 | RON 15.05 | RON 18.80 +24.9% | 13.6% | RON 22.69 | RON 15.82 | RON 24.22 | 5 |
Mar ’24 | RON 15.13 | RON 19.99 +32.2% | 21.3% | RON 27.01 | RON 15.59 | RON 23.00 | 5 |
Feb ’24 | RON 15.31 | RON 19.69 +28.6% | 20.0% | RON 27.01 | RON 15.59 | RON 21.58 | 6 |
Jan ’24 | RON 15.37 | RON 19.69 +28.1% | 20.0% | RON 27.01 | RON 15.59 | RON 21.13 | 6 |
Dec ’23 | RON 15.51 | RON 19.69 +26.9% | 20.0% | RON 27.01 | RON 15.59 | RON 20.02 | 6 |
Nov ’23 | RON 13.31 | RON 20.54 +54.3% | 17.8% | RON 27.01 | RON 15.59 | RON 19.22 | 7 |
Oct ’23 | RON 12.89 | RON 21.62 +67.7% | 14.3% | RON 27.01 | RON 16.90 | RON 19.25 | 7 |
Analyst Forecast: Target price is lower than the current share price.